The Golden 1 Credit Union Bakersfield CA: Low Mortgage Rates & Auto Loans

Introduction

Welcome to The Golden 1, your trusted partner in financial services, located at 4106 California Ave Ste 1, Bakersfield, CA 93309. Since our establishment in 1933, we have dedicated ourselves to serving the community with commitment and care. With over 1,132,440 members and a robust asset base of $19,582,379,014, we provide a wide range of banking solutions tailored to meet your needs. At The Golden 1, we understand the importance of financial well-being. Our team is passionate about helping you achieve your goals be it through personal banking options like checking and savings accounts or financing solutions such as auto loans and mortgages. With total loans amounting to 485,183, and deposits totaling $777,140,260, our financial strength is a testament to the trust our members place in us. Our leadership reflects this commitment to excellence. Under the guidance of our CEO Donna Bland and Board President Keri Thomas, we strive for transparency and community engagement. We are proud to have a dedicated workforce of 2,082 employees who share our mission of providing exceptional service. While members can visit us at our physical location in Bakersfield, official correspondence should be sent directly to the same address mentioned above. For any inquiries or assistance, feel free to reach out at (916) 732-2900. Join us today and discover how The Golden 1 can help you thrive financially! Visit our website at www.golden1.com for more information or to open an account online. Your journey towards financial empowerment starts here!

Branch History & Mission

Join Us

We invite you to become part of The Golden 1 family. Experience firsthand how we put your needs at the forefront of everything we do. Whether you're looking for personal banking solutions or business services, we're here to help you every step of the way. For more information or assistance, feel free to call us at (916) 732-2900 or visit us online at www.golden1.com. Together, let's build a brighter financial future!

Our Journey

Located at 4106 California Ave Ste 1, Bakersfield, CA 93309, our branch stands as a testament to our dedication to the local community. From providing essential banking services to offering loans that help families achieve their dreams, our mission has always been clear: to empower individuals and businesses with the financial tools they need to succeed. As we've evolved, so have our services. We understand that in today's fast-paced world, convenience is key. That's why we offer online and mobile banking options, making it easier than ever for members to manage their finances on-the-go. Our commitment to accessibility includes ADA compliance, ensuring everyone can benefit from our services.

Our Mission

The heart of The Golden 1's mission is not just about banking it's about community. We believe in supporting local initiatives and partnerships that uplift those around us. Through various outreach programs and events, we strive to give back to Bakersfield and its residents. While members can visit us at our branch location, official correspondence should be sent to our mailing address if different from the physical one. Our operating hours reflect our dedication to serving you: Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM.

Branch Location & Accessibility

Connect With Us Today!

Have questions? Don't hesitate to give us a call at (916) 732-2900. Our friendly team is eager to help you with whatever you need. We invite you to stop by The Golden 1 today; we're excited to serve you!

Convenient Access and Parking

Parking is readily available, ensuring that you can visit us without any hassle. Our branch is designed with accessibility in mind, featuring ADA-compliant entrances and ramps for those who need them. We want everyone to feel welcome when they come through our doors!

Operating Hours That Fit Your Schedule

We understand that life gets busy, which is why our operating hours are tailored for your convenience. Visit us Monday through Friday from 10:00 AM to 5:00 PM and on Saturdays from 10:00 AM to 2:00 PM. Whether you need assistance during the week or prefer a weekend visit, we're here for you!

Services Tailored Just For You

At The Golden 1, we offer a range of services designed to meet your personal and business banking needs. From checking and savings accounts to auto loans and mortgage options, our knowledgeable staff is ready to assist you. Plus, with ATM availability at our branch, you can easily withdraw cash or check your balance anytime.

Member Eligibility

Joining The Golden 1 is like stepping into a welcoming community where your financial needs are understood and valued. To become a member, you simply need to meet some friendly eligibility criteria that cater to various backgrounds and situations. Whether you're a resident of Kern County or work in the area, you can easily qualify for membership. Our goal is to support you on your financial journey with personalized services that make a difference in your life. If you're ready to take the next step, opening an account at The Golden 1 is straightforward! Just visit us at 4106 California Ave Ste 1 Bakersfield Ca 93309, or give us a call at (916) 732-2900 for more information. You can also check out our detailed eligibility guidelines at http://www.golden1.com/membership-benefits , which provide everything you need to know about becoming part of our family. Together, we can help you achieve your financial dreams!

Business Banking & Commercial Services

Commercial Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $120 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $9 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $594,122,356, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine having a reliable partner for all your payment processing needs. Our merchant services ensure that your transactions are smooth and secure, allowing you to focus on what matters most running your business. Whether you're a retail store or a service provider, we offer customized solutions that enhance customer experience and streamline operations. Located at 4106 California Ave Ste 1 Bakersfield Ca 93309 in Bakersfield, CA, our team is ready to assist you. Contact us today at (916) 732-2900 to learn how we can help your business reach its full potential!

Comprehensive List Of Services

Accessibility

We know that sometimes you need face-to-face assistance. That's why our branch offers personal service during regular hours Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM. Plus, with an ATM available on-site, getting cash when you need it is straightforward.

Business Banking

For our business members, we provide essential banking services tailored for growth. Our business banking offerings include merchant services and business loans designed to help your enterprise thrive. We understand the challenges small businesses face, and we're here to support your journey.

Connect with Us

Whether you're exploring your options or ready to take the next step in your financial journey, we invite you to reach out! Call us at 916-732-2900 or visit our website at golden1.com for more information about opening an account or any of our services. At The Golden 1, we believe in empowering our members with the tools they need for financial success. Your goals are within reach let's achieve them together!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we emphasize our online and mobile banking capabilities. With features like ATM access for cash withdrawals and balance checks available at your fingertips, managing your finances has never been easier.

Loans and Financing

When it comes to financing, The Golden 1 provides various options that fit different needs. If you're in the market for a new car, our auto loans and vehicle financing solutions can help get you on the road quickly. Are you dreaming of homeownership? Our mortgage loans and refinancing options make that dream more attainable than ever. If you find yourself needing some extra cash for unexpected expenses or planning a big purchase, consider our personal loans for debt consolidation or other financial needs. We also offer credit cards with rewards that give back every time you spend.

Personal Banking

Our personal banking services are designed for convenience and ease. We offer both checking and savings accounts that help you manage your finances effortlessly. With online and mobile banking, you can access your accounts anytime, anywhere. Imagine being able to check your balance while waiting in line at the grocery store or transferring money to a friend without having to visit a branch.

Digital & Online Banking

Accessible Banking Anytime

At The Golden 1, we believe in making banking accessible for everyone. Our user-friendly services empower you to take control of your financial journey with ease. From real-time account management to secure transactions, we're here to support you every step of the way. Explore all these features and more by visiting https://www.golden1.com/ today!

Key Services for Your Convenience

With our 24/7 online banking services, you have the power to manage your finances whenever it suits you best. Check balances, transfer funds, and pay bills with just a few clicks. Plus, our mobile application makes it even easier to handle your banking needs right from your smartphone. Want to send money quickly? Our person-to-person transfer feature allows you to send money to friends and family instantly, making splitting bills or sending gifts a breeze. And if you prefer going paperless, you'll be happy to know that e-statements are available, so you can keep track of your finances without cluttering your mailbox.

Security You Can Trust

Your security is our top priority. We use electronic signature authorization, allowing you to sign documents securely online without the hassle of printing or mailing them. This ensures that your information stays safe while giving you the flexibility to manage your accounts quickly. In today's world, mobile payments have become essential. With our mobile payments feature, you can shop safely and conveniently using just your phone. Whether it's paying for coffee or making a purchase online, we've got you covered.

Financial Strength

Commitment to Growth

With $1,920,233,614 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity supports members' financial goals across various sectors with $122,383 in used auto loans and $14,251,111,689 in total loans and leases. Our operational efficiency is reflected in our $82,266,177, which enables us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 2,047 full-time employees and 35 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Member Trust

Total Share Accounts: 2,432,889, show a strong and growing member base that trusts us with their finances. This trust is crucial as we work together to meet your needs now and into the future. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The Golden 1 is your trusted partner. Visit us at 4106 California Ave Ste 1 Bakersfield Ca 93309 or call (916) 732-2900 to learn more about how we can help you achieve your financial goals.

Secure Savings Options

Members' savings are secured through $4,565,491,792 in share certificates and $3,862,119,266 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $300,000,000, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Solid Financial Foundation

With a net worth of $2,041,864,607, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,041 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $2,488,185,507 in used vehicle loans and $2,384,962,486 in new vehicle loans already helping members get on the road. We aim to make your car-buying experience smooth and affordable.

Business Financing

For business owners, our outstanding commercial loans totaling $594,122,356 provide the capital needed to grow and expand. Whether you're starting a new venture or looking to enhance an existing one, our team can assist you in finding the right financing solution.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $633,013,903, make buying or refinancing simple. Our experienced staff will help you navigate the process and find the best terms for your situation.

Refinancing Options

If you're considering refinancing any of your current loans, we have options available that may save you money over time. Our representatives are ready to discuss eligibility requirements and help you determine if refinancing makes sense for your financial situation. For more information about our loan offerings or to discuss your specific needs, please call us at (916) 732-2900. We are open Monday through Friday from 10:00 AM to 5:00 PM and Saturday from 10:00 AM to 2:00 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial goals!

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $605,216,049 in loans helping members manage their finances effectively. These cards can be a great way to make purchases while keeping track of your spending.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. This approach not only saves time but also empowers users to make informed decisions based on accurate data. LendMesh ensures accurate loan comparisons by sourcing its data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to using verified sources guarantees fair and transparent offers for all users. One of the key benefits of using LendMesh is its focus on Verified Data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in the comparison process. Additionally, LendMesh does not feature Sponsored Listings; lenders are not prioritized based on paid promotions. This means that users receive unbiased results that reflect true market conditions. With Real-Time Rate Comparisons, users can access up-to-date loan rates from multiple institutions at any given moment. This feature is vital in helping individuals secure loans that meet their financial needs without unnecessary delays or complications. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials underscore the platform's reliability and effectiveness in delivering valuable financial insights. Compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

THE GOLDEN 1 CREDIT UNION - Bakersfield, CA

Type of Loan Offerings

Personal Loans